Coverage Definition

Travel Delay provides reimbursement for meals and accommodations when a trip is unexpectedly delayed.

What am I covered for?

TRIPDELAY

The Company will reimburse You for Covered Expenses on a one-time basis, up to the limit shown on Your Confirmation of Coverage, if You are delayed en route to or from the Covered Trip for six (6) or more hours due to a defined Hazard. Covered Expenses for the purpose of this coverage only are:

a) any reasonable Additional Expense s incurred by You including hotel accommodations, meals, telephone calls and local transportation while You were delayed. The Company will not pay benefits for expenses incurred after travel becomes possible

b) any prepaid, unused, non-refundable land and water accommodations;

c) an Economy Fare from the point where You ended Your Covered Trip to a destination where You can catch up to the Covered Trip; or

d) a one-way Economy Fare to return You to Your originally scheduled return destination.

Definitions

Accident means a sudden, unexpected, unusual, specific event that occurs at an identifiable time and place, but shall also include exposure resulting from a mishap to a conveyance in which You are traveling.

Accidental Injury means Bodily Injury caused by an Accident (of external origin) being the direct and independent cause in the Loss.

Actual Cash Value means replacement cost new less depreciation.

Additional Expense means any reasonable expenses for meals and lodging which were necessarily incurred as the result of a Hazard and which were not provided by the Common Carrier or other party free of charge.

Bankruptcy means the filing of a petition for voluntary or involuntary Bankruptcy in a court of competent jurisdiction under Chapter 7 or Chapter 11 of the United States Bankruptcy Code 11 L.S.C. Subsection 101 et seq.

Bodily Injury means identifiable physical injury which is caused by an Accident and is independent of disease or bodily infirmity.

Business Equipment means Computer equipment, communication devices (including mobile phones) and other business-related equipment which You need for Your business and which is not insured elsewhere.

Business Partner means an individual who: (a) is involved in a legal partnership; and/or (b) is actively involved in the day-to-day management of the business.

Checked Baggage means a piece of baggage for which a claim check has been issued to You by a Common Carrier.

Common Carrier means any land, sea, and/or air conveyance operating under a valid license for the transportation of passengers for hire.

Company means American Commerce InsuranceCompany.

Covered Trip means any class of scheduled trips, tours or Cruises for which You request coverage and remit the required premium.

Cruise means any prepaid sea arrangements made

Default means a material failure or inability to provide contracted services due to financial insolvency.

Dependent Child(ren) means [one of] the Insured’s child(ren), including an unmarried child(ren), stepchild, legally adopted child(ren) or foster child(ren) who is: less than age 19 and primarily dependent on the Insured for support and maintenance; or [who is at least age 19 but less than age 26] and who regularly attends [an institution of learning] [an accredited school or college]; and who is primarily dependent on the Insured for support and maintenance.

Domestic Partner means a person with whom You reside and can show evidence of cohabitation (including the shared responsibility for basic living expenses) for at least the previous six (6) months and has an affidavit of domestic partnership or civil union, if recognized by the jurisdiction within which You reside.

Economy Fare means the lowest published rate for an economy ticket.

Effective Date means 12:01 AM local time, at Your location, on the day after the required premium for such coverage is received by the Company or its authorized representative.

Emergency Treatment means necessary medical treatment, including services and supplies, which must be performed during the Covered Trip due to the serious and acute nature of the Accidental Injury or Sickness.

Host at Destination means a person with whom You are sharing pre-arranged overnight accommodations at the host’s usual principal place of residence.

Inclement Weather means any severe weather condition that delays the scheduled arrival or departure of a Common Carrier.

Individual Coverage Term means the period of time beginning when You have been enrolled for coverage under the Policy and for which the required premium has been paid.

Insured means the person who has enrolled for and paid for coverage under the Policy.

Land/Sea Arrangements means any activities undertaken by You while in the Individual Coverage Term.

Loss means injury or damage sustained by You in consequence of happening of one or more of the occurrences against which the Company has undertaken to indemnify You.

Medically Necessary means a treatment that is essential for the diagnosis, treatment and care of the Accidental Injury or Sickness, meets generally accepted standards of medical practice and is ordered by a

Physician and performed under the Physician’s care, supervision or order.

Maximum Benefit means the largest total amount of Covered Expenses that the Company will pay for Your covered Losses.

Natural Disaster means a large-scale extreme weather or environmental event that disrupts transportation such as earthquake, fire, flood, cyclonic, volcanic eruption or any other extraordinary atmospheric, meteorological,seismic or geological phenomenon.

Physician means a licensed practitioner (including a Christian Science Practitioner) of medical, surgical or dental services acting within the scope of his/her license. The treating Physician may not be You, a Traveling Companion or a Family Member.

Primary Residence means Your permanent, fixed address and Primary Residence for legal and tax purposes in Your home country. It is where the emergency repatriation and/or return of remains detailed in this policy will be made. It is also the country and state where the policy was issued.

Reasonable and Customary charges mean charges commonly used by Physicians in the locality in which care is furnished.

Scheduled Departure Date means the date on which You are originally scheduled to leave on the Covered Trip.

Scheduled Return Date means the date on which You are originally scheduled to return to the point of origin or to a different final destination.

Sickness means an illness or disease which is diagnosed or treated by a Physician after the Effective Date of insurance and while You are covered under the Policy.

Strike means any unannounced labor disagreement that interferes with the normal departure and arrival of a Common Carrier.

Terrorist Incident means an incident deemed a terrorist act by the United States Government.

Traveling Companion means a person or persons with whom You have coordinated travel arrangements and intends to travel with during the Covered Trip. Note, a group or tour leader is not considered a Traveling Companion unless You are sharing room accommodations with the group or tour leader.

2. Suicide, attempted suicide or any intentionally self-inflicted injury while sane or insane (in Missouri, sane only) unless results in the death of a non-traveling immediate Family Member;

3. War, invasion, acts of foreign enemies, hostilities between nations (whether declared or not), civil war, events or actions of the Armed Forces or Security Forces in peacetime; riot or civil unrest (except in the case of trip delay);

4. Participation in any military maneuver or training exercise;

5. Piloting or learning to pilot or acting as a member of the crew of any aircraft;

6. Mental or emotional disorders, unless hospitalized;

7. Participation in organized athletics either amateur or professional;

8. Participation in underwater activities (does not include recreational swimming);

9. Expenses incurred as the result of being under the influence of drugs or intoxicants, unless prescribed by a Physician or unless results in the death of a non-traveling immediate Family Member;

10. Commission or the attempt to commit a criminal act;

11. Participating in any of the following: bodily contact sports (bodily contact sports means any sport where the objective is to physically render an opponent unable to continue with the competition such as boxing and full contact karate); brawling or fighting; skydiving; hang-gliding; parachuting; mountaineering or rock climbing or repelling; horse jumping and polo; bungee cord jumping; any race; speed contest (speed contest shall not include any of the regatta races); scuba diving if the depth exceeds 50 feet (unless accompanied by a dive master and unless You are is certified to dive); spelunking or caving; heli-skiing or extreme skiing; and bobsledding or luge;

19. Injury or Sickness when traveling against the advice of a Physician;

20. Cosmetic surgery except for: reconstructive surgery incidental to or following surgery for trauma, or infection or other covered disease of the part of the body reconstructed due to a covered Injury or Illness;